Discover how the NMI Payment Gateway simplifies online and in-store payments with flexible integration, PCI compliance, and fraud protection. Learn about key features like a virtual terminal, recurring billing, mobile payments, and QuickBooks integration, making NMI a secure and efficient solution for businesses of all sizes.
The NMI Payment Gateway helps businesses process online and in-store transactions efficiently. In this guide, you will learn about NMI’s features, setup process, and integration steps.
The new nmi payment gateway is a sophisticated service designed to facilitate online transactions for businesses of all sizes. NMI offers both a gateway and merchant account combo or a stand-alone NMI payment gateway, providing flexibility to suit different business needs. This flexibility allows businesses to handle payment data and online payments with ease, adapting to various transaction environments, including online, in-store, in-app, mobile, and unattended settings.
One of the most attractive aspects of the NMI Payment Gateway is its user-friendly virtual terminal, which allows merchants to manually enter transactions, making payment processing simple and efficient. Additionally, NMI’s hosted payment page is particularly beneficial for merchants who may not have extensive technical skills, enabling them to accept payments without complex integration processes. This feature-rich platform empowers ISOs, software vendors, and payment professionals by providing them with the necessary tools for successful payment processing.
NMI also excels in managing multiple e-commerce sites and merchant accounts through a single interface. Card payment acceptance, comprehensive sales activity reporting, and robust support for various payment methods complement this capability. With NMI, businesses can enjoy an industry-leading payment gateway technology that streamlines their payment processes and enhances overall operational efficiency.
Initiating services with the NMI Payment Gateway is straightforward but requires careful consideration to avoid common pitfalls. Starting with Swipesum, a service that can guide you through the initial steps, is advisable. While NMI goes to market through distributors, these distributors often mark up the service significantly. Engaging directly with Swipesum can help you secure a more favorable pricing structure, avoiding unnecessary costs. With a pricing model based on a flat fee per transaction rather than a percentage, NMI is a cost-effective option for many businesses.
Once you’ve chosen your distributor, the next step is to contact NMI to set up your account. This process involves filling out necessary forms and providing essential merchant account credentials. Ensuring that you have all required information at hand will streamline the configuration of your NMI Payment Gateway, enabling you to start processing transactions swiftly.
Integrating the NMI Payment Gateway into your software can be a seamless process, especially with the right support. NMI provides a range of APIs designed to facilitate easy integration into various software environments. Leveraging an integration service like Swipesum’s engineers can significantly ease this process. Whether you choose to have Swipesum handle the integration or assist your in-house team, their expertise ensures a smooth and efficient setup.
Embedding NMI’s APIs into your software allows for custom configurations tailored to your business needs. This flexibility means that whether you’re looking to integrate with web-based applications or non-web-based systems, NMI’s APIs provide the necessary tools to achieve your goals.
Working closely with integration experts ensures that your payment gateway is fully functional and optimized for your specific requirements.
The NMI Payment Gateway is packed with features designed to streamline payment processing and enhance business operations. One of its standout features is the virtual terminal, which allows businesses to process card swipes or manually enter payment details for phone and mail orders. This terminal supports new sales transactions, credits, and refunds, making it a versatile tool for various transaction types.
Additionally, NMI offers robust recurring billing functionality, simplifying the setup of ongoing payments for merchants. Automating the payment collection process ensures reliable and consistent revenue streams.
For businesses that rely on mobile payments, NMI supports various mobile payment methods, including digital signatures, tip data, and refunds, enhancing the overall user experience. These key features collectively make NMI a comprehensive and flexible payment solution for modern businesses.
NMI Payment Gateway boasts extensive integration capabilities with over 125 shopping cart platforms, making it a versatile choice for online merchants. This compatibility spans popular solutions such as 3dcart, Magento, osCommerce, Limelight, and InfusionSoft, as well as content management systems like Joomla, WordPress, and Drupal. This broad support allows merchants to seamlessly integrate NMI into their current shopping cart platform, enhancing the online shopping experience with various payment gateways.
Moreover, NMI supports payments in multiple currencies and offers features like hosted payment pages, which make it easier for merchants to accept payments efficiently. Custom integration options are available for those whose shopping cart platforms are not directly supported, allowing merchants to explore embedded payments possibilities with NMI.
This level of flexibility ensures that businesses can tailor their payment solutions to meet their specific needs, regardless of their chosen shopping cart platform.
Security is a paramount concern for any payment gateway, and NMI excels in this area. The platform is fully PCI compliant, ensuring that all cardholder data is protected according to industry standards. NMI’s Customer Vault adheres to Level 1 PCI compliance, providing a secure environment for storing sensitive payment details. This compliance extends to NMI’s recurring billing processes, ensuring that all transactions are handled securely.
Advanced security measures, including tokenization and 3D Secure, are employed by NMI to protect cardholder data. Tokenization allows for the reuse of card data from previous transactions without storing the actual card details, significantly reducing the risk of data breaches. The iSpyFraud system further enhances security by allowing merchants to establish customized rules for transaction values and frequencies, effectively blocking risky transactions. This system can also ban specific users based on various criteria, adding another layer of protection.
NMI implements full encryption of payment data for mobile transactions, ensuring that sensitive information remains secure. Additionally, advanced reporting features help merchants monitor transaction trends and identify potential losses, contributing to overall transaction security. These comprehensive security measures make NMI a reliable and secure choice for businesses of all sizes.
In today’s mobile-first world, the ability to process mobile payments is crucial. NMI supports a variety of mobile payment methods, including Apple Pay and Google Pay, which are increasingly popular among consumers. These options enable merchants to accept payments through both keyed and swiped transactions on Android and Apple devices, providing flexibility and convenience.
NMI also offers features like text-to-pay, which allows merchants to send secure payment requests via text message, and contactless payments, enhancing the overall customer experience. These capabilities ensure that businesses can meet the demands of their mobile-savvy customers, making NMI a comprehensive solution for mobile payment processing.
NMI’s strong focus on flexibility and customization is evident in its extensive range of APIs. These APIs allow businesses to create custom payment integrations tailored to their specific needs. Whether you need an API in PHP, C#, Java, or VB.NET, NMI provides the necessary tools and support to facilitate quick deployment.
Retailers can request APIs in specific languages, ensuring that they can integrate NMI’s payment solutions seamlessly into their existing systems. Additionally, NMI offers mobile SDKs for integrating encrypted mobile card readers for both iOS and Android, enhancing security and functionality for mobile transactions.
This level of customization and support makes NMI an ideal choice for businesses looking to create tailored payment solutions.
High-risk merchants often face unique challenges in securing reliable payment processing services, but NMI offers tailored solutions to meet their needs. NMI’s full-featured payment gateway is particularly advantageous for high-risk merchants, providing extensive tools to manage payment data and reduce the risk of chargebacks. NMI enables merchants to use a single account with multiple merchant IDs, allowing for quick shifts between accounts to manage chargebacks effectively.
NMI’s robust analysis of submitted payments helps reduce the risk of chargebacks, preventing account terminations and minimizing processing limitations. This is particularly beneficial for high-risk businesses, which often struggle with chargeback histories or industry regulations. Additionally, NMI offers assistance to new high-risk e-commerce users, helping them understand and navigate the complexities of handling payment data and online transactions.
A reliable payment gateway is critical for high-risk businesses. NMI’s tailored services and support make it an excellent choice for merchants looking to mitigate risks and ensure smooth payment processing. Managing high-risk inventory under one gateway, NMI provides a comprehensive solution for the unique needs of high-risk businesses.
NMI’s integration with QuickBooks through the SyncPay plug-in offers a seamless way to manage payments within the accounting software. Merchants can key or swipe payments using the SyncPay plug-in, which allows them to apply payments to invoices and create new sales receipts directly within QuickBooks.
The integration works seamlessly with NMI’s Customer Vault, ensuring that customer data is securely stored and easily accessible for future transactions.
NMI’s Customer Vault is a PCI-compliant system designed to securely store sensitive payment information, ensuring compliance and enhancing security. This vault allows merchants to create customer profiles from various transaction types, streamlining the management of customer data. Reducing checkout times and simplifying transactions for returning customers, the Customer Vault enhances convenience and builds customer loyalty.
The system can store a variety of sensitive details, including card numbers, billing addresses, and shipping addresses, all while ensuring that this information remains secure. Tokenization enables the reuse of cardholder data from previous transactions without the need for storage, further enhancing security. Additionally, NMI’s built-in Account Updater automatically requests updates for stored credit card information, preventing payment disruptions when a customer’s card expires.
Recurring billing is another key feature of NMI’s payment solutions, allowing merchants to set up automated payments at predefined intervals. This feature simplifies the billing process by eliminating the need for manual processing each time a payment is due. With no special integration required, merchants can easily implement recurring billing and enjoy the benefits of consistent and reliable revenue streams.
The iSpyFraud system is a powerful tool for enhancing transaction security within the NMI Payment Gateway. This system uses configurable rules to analyze transactions and identify potentially fraudulent activities. By flagging transactions based on frequency and other customizable criteria, iSpyFraud enables merchants to detect and prevent fraud effectively.
Transactions flagged as potentially fraudulent are collected for further assessment, allowing merchants to take appropriate action before any damage occurs. A proactive approach to fraud prevention ensures that businesses can protect themselves against financial losses and maintain a secure process transactions environment.
With iSpyFraud, merchants can enjoy peace of mind knowing that their payment processes are safeguarded by advanced security measures.
Start by obtaining an NMI gateway account from Swipesum or at a higher cost from your merchant services provider to begin with the NMI Payment Gateway. This involves filling out your merchant account credentials and ensuring that all necessary information is provided for the configuration process. Enabling the NMI payment gateway integration in your system settings is a crucial step to proceed with setup.
The configuration process includes selecting NMI from a drop-down menu in the payment settings and reviewing specific configuration fields required for the setup. You will need a username and password for all API calls to authenticate successfully.
By following these steps and filling out the short form for fast setup information, you can quickly and efficiently configure your NMI payment gateway and start processing transactions.
NMI offers expert technical assistance to help merchants with account inquiries or feature usage, ensuring that they can make the most of their payment gateway. Merchants can submit support requests online for various NMI features, providing a convenient way to access help when needed. This online support system ensures that merchants can quickly and efficiently resolve any issues they may encounter.
Additionally, NMI provides a secure online interface for managing stored customer information, allowing merchants to handle customer data with ease. The ability to manage multiple merchant identification numbers through a single gateway further enhances operational efficiency and simplifies account management.
NMI ensures that network merchants have the resources they need to succeed through robust customer service and technical support.
In conclusion, the NMI Payment Gateway offers a comprehensive, secure, and flexible solution for businesses looking to streamline their payment processing. With features such as a virtual terminal, recurring billing, robust security measures, and extensive integration capabilities, NMI stands out as a top choice for merchants of all sizes. Whether you are handling mobile payments, managing high-risk accounts, or integrating with QuickBooks, NMI provides the tools and support needed to succeed. By adopting the NMI Payment Gateway, you can enhance your payment processing capabilities, improve customer satisfaction, and drive business growth.
To find your NMI number, check your electricity bill; it's usually located on the front of the second page or sometimes the first page, depending on your provider.
The NMI Payment Gateway is an online transaction service that enables businesses to process payments efficiently, featuring a virtual terminal, recurring billing, and strong integration options.
To get started with NMI, contact Swipesum to eliminate distributor markups, and then create your account by providing your merchant credentials and configuring the gateway settings. This will ensure a smooth setup process.
NMI offers strong security measures such as PCI compliance, tokenization, 3D Secure, and the iSpyFraud system to safeguard cardholder data and combat fraud effectively.
Yes, NMI can handle mobile payments, supporting methods like Apple Pay and Google Pay, in addition to offering mobile SDKs for secure transactions on iOS and Android devices.
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Michael Seaman
Michael Seaman is the co-founder and CEO of Swipesum. A veteran of the payments industry and former employee at one of the largest payments companies, Michael, along with his brother Stephen, has led Swipesum since its inception in 2016. Swipesum is committed to providing innovative payment solutions and exceptional service to its diverse clientele. In his free time, Michael enjoys traveling with his wife Kelsey and their three children, pole vaulting, and engaging in typical Midwestern dad activities.
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